Future Generali Health PowHer

Overview

Don't be just another number: Embrace the power of Health PowHER!

Health PowHER is more than just an ordinary health insurance plan. It is specially curated after thoughtfully analyzing health issues in women, covering more than standard in-patient and out-patient hospitalizations, pre and post-hospitalizations, ICU, room rent charges, daycare procedures, and health check-ups.

This female-centric plan safeguards women against all kinds of external, internal, physical, and hormonal imbalances. Major features include preventive screenings, wellness programs, mental wellness support, menstrual care, nutritional advice, and specialized maternity (pre and post-phases) covers.

This policy encourages women to own their healthcare requirements rather than fitting into a family policy taken by a father, husband, or children.

Below, we discuss the eligibility criteria, benefits, coverage specifications, claim procedures, and much more about the Future Generali Health PowHER plan.

Major Highlights of Health PowHER

This health insurance offers significant benefits for both women and men:

Family Coverage

This plan offers five key benefits for every family member:

• Hospitalization Expenses

  Covers in-patient, pre and post-hospitalizations, daycare procedures, OPD costs, room rent, and ICU charges.

• Surgical Costs

  Covers treatment costs for LASIK, cataract surgery for both eyes, cosmetic/plastic surgery, and bariatric surgery.

• Ambulance Cover

  Provides emergency road and air ambulance services.

• Critical Illness Cover

  Safeguards policyholders and their loved ones against financial crises due to critical illnesses, allowing them to focus on recovery.

• Accidental Death Benefit

  Covers accidental death, and accidental total and partial disabilities financially and for healthcare needs.

Maternity Benefits for 'HER' and Her 'Partner'

This section highlights key maternity-related benefits:

• Newborn Baby Cover

  Covers childbirth costs for newborns, vaccination charges, and medically necessary treatment for defects in newborns.

• Stem Cell Storage Costs

  Provides advance support for children's future health by covering stem cell storage.

• Coverage for Infertility

  Covers treatments like IVF, ZIFT, GIFT, and ICSI pronuclear stage transfer to assist in parenthood.

Specially Curated Women-Only Cover

This section details five key benefits exclusive to Health PowHER:

• All-Round Maternity Cover

  Female policyholders receive maternity benefits for pregnancy care, delivery expenses, nursing, antenatal expenses, miscarriage, and medically necessary termination of pregnancy.

• Cancer Care Booster

  Covers cancer treatment expenses specifically for women, including cervical, breast, vulva, uterus, and other major cancers.

• Voluntary Sterilization

  Provides coverage for women who choose to undergo voluntary sterilization.

• Domiciliary Healthcare

  Women-insured members are eligible for temporary home care, nursing expenses, and senior citizen's care.

• Puberty and Menopause Disorders Cover

  Covers treatment for common hormonal disorders related to menopause and puberty in females.

Exclusions

• Direct or indirect injury or illness caused by war, warlike situations, foreign enemies, or invasion.
• Gender change treatments.
• Adventure sports or risky activities.
• Treatment of drug abuse, alcoholism, or consequences due to substance consumption.
• Circumcision, unless it is an accidental consequence.
• Hearing aid items, vision/sight correcting spectacles/contact lenses, durable medical equipment.
• Sexually transmitted diseases other than HIV/AIDS.
• Nuclear infection or anomaly.
• Non-medical expenses.
• Rehabilitation and pain management.
• Utero-fetal surgery.
• External congenital anomaly or disease.

Documents Required

To purchase the Future Generali Health PowHER plan, standard documents such as identity proof (Aadhaar card, PAN card, Passport), address proof (utility bills, Aadhaar card), and age proof are typically required. Additional documents may be requested based on the specific policy terms or individual circumstances.

Benefits of Future Generali Health PowHER Plan

Here are the additional benefits of the Health PowHER plan:

• Tailor-Made Benefits for Women

  Health PowHER provides extended coverage for all family members. However, it offers specific benefits for women policyholders, covering medical expenses related to pregnancy, postpartum care, menopause, women-specific critical illnesses, and more.

• Holistic Wellness Cover

  Exclusive wellness programs, nutritional counseling, and mental health support are designed to promote a healthy and balanced lifestyle for women, encouraging holistic well-being.

• Mandatory Female Member Inclusion

  Male family members can purchase the Future Generali Health PowHER plan for themselves and their families, provided at least one female member is included in the policy.

• 24/7 Customer Support

  The insurer provides seamless round-the-clock customer support for all healthcare needs.

• Value-Added Services

  The policy includes consultation expenses for gynecological and psychological consultations, face yoga, network gym services, diet and nutritional sessions, and annual preventive and routine health check-ups.

• Tax Benefits

  Premiums paid towards the Health PowHER insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act 1961.